Helsana COMPLETA vs. Visana Ambulant Ambulant III: benefits compared

Direct comparison of Helsana COMPLETA and Visana Ambulant Ambulant III in 4 categories. All values come from the policy terms and are backed by their source.

Helsana COMPLETA is better on 0 features, Visana Ambulant Ambulant III on 0; both are equal on 5.

Medicines and medical aids

Feature	Helsana COMPLETA	Visana Ambulant Ambulant III	Result
Medicines outside the SL (percent)	90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 1	No verified information	not comparable
Medical aids (percent)	90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3	90%Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2	equal
Medical aids: annual cap	CHF 1’500Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 3	No verified information	not comparable
Hearing aids: cap	CHF 1’500Source: Produkteheft Versicherungen & Leistungen 2026/27 (Leistungsuebersicht ambulant, Zahn, Reise), edition 2027, p. 11	No verified information	not comparable
Medicines outside the SL: maximum	No verified information	UnlimitedSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 2	not comparable

All products in “Medicines and medical aids” compared

Prevention

Feature	Helsana COMPLETA	Visana Ambulant Ambulant III	Result
Coverage (percent)	90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4	90%Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3	equal
Annual cap	CHF 750Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4	No verified information	not comparable
Vaccinations (percent)	90%Source: ZVB COMPLETA, Ausgabe 1. Januar 2027, edition 2027, p. 4	90%Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3	equal
Vaccinations: annual cap	No verified information	UnlimitedSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3	not comparable
Health check-up	No verified information	CHF 600Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3	not comparable
Gynaecological screening (percent)	No verified information	90%Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 3	not comparable

All products in “Prevention” compared

Travel abroad

Feature	Helsana COMPLETA	Visana Ambulant Ambulant III	Result
Worldwide validity	YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 1	YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 4	equal
Maximum trip duration in days	No verified information	56Source: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1	not comparable

All products in “Travel abroad” compared

Contract terms

Feature	Helsana COMPLETA	Visana Ambulant Ambulant III	Result
Minimum contract duration in years	1Source: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2	No verified information	not comparable
Cancellation notice in months	3 monthsSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2	No verified information	not comparable
Insurer does not cancel after a claim	YesSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 2	YesSource: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 3	equal
Premium and age	Premiums by 5-year age bands up to 91+; over-65s pay max 3x and over-70s max 4x the premium of a 30-year-oldSource: AVB Krankenzusatzversicherungen (VVG), Ausgabe 1. Januar 2027 (aktuell auf helsana.ch publiziert), edition 2027, p. 3	Premiums are set by age groups (0-18, 19-25, 26-30, then 5-year bands), the last group being reached at age 86; changes take effect on 1 January.Source: AVB Krankenzusatzversicherungen (VVG), gültig ab 01.01.2022, edition 2027, p. 4	not comparable
Family discount	No verified information	YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1	not comparable
Accident cover included	No verified information	YesSource: ZB Krankenzusatzversicherung Ambulant (VVG), gültig ab 01.01.2024, edition 2027, p. 1	not comparable

All products in “Contract terms” compared

Information only, not advice, no guarantee. The insurers' own documents are authoritative.